Bank · FDIC insured
First National Bank Texas
A $4.6B bank, the 297th largest of 4,207, headquartered in Killeen, TX, with 356 branches in 4 states. Best rates: CDs 4.25% and savings 2.00% APY.
First National Bank Texas Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#42 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank Texas
- Headquarters
- 901 E Central Texas Expy, Killeen, TX 76541
- FDIC certificate
- 3285 ↗
Branches
356 branches in 4 states
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Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.12% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.21% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $56 | $88 | — |
- CapitalLeverage ratio9.12%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$56Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank Texas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.